Prius coming in next week. Followed some of the tips on the consumer sites and applied online for a loan last week with Capital One. Approval within 5 minutes. Locked in a very competitive rate (3 yrs 5%). The deal with them is that they will approve a loan up to an amount you specify, and send you a blank check. Supposedly, you walk into the dealer and write in any amount up to that limit, sign the check, fill in the VIN, and give to the dealer. By using the check you activate the loan. You do not have to take the Capital One deal, and if the dealer can beat their rate, then you are free to switch. Couple of questions: 1) Anyone use Capital One blank check for financing? Was it as smooth a process as they make it out to be? I am traveling 4 hours out of state to get my car and don't want any hiccups in my day. 2) I saw in another (old) thread that some dealers had charge folks an extra $300 if they used the check, because that is what capital one was charging them. Can anyone confirm or deny this?